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Fintech Innovation Podcasts

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Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.
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Breaking Banks

Breaking Banks - The #1 Global Fintech Podcast

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The #1 global fintech radio show and podcast. Every week we explore the personalities, startups, innovators, and industry players driving disruption in financial services; from Incumbents to unicorns, and from the latest cutting edge technology to the people who are using it to help to create a more innovative, inclusive and healthy financial future.
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FWDstart

Jamie Lane

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The FWDstart Podcast is a weekly show at the intersection of venture capital, startups, and strategic industries shaping the MENA region. Each episode features candid conversations with founders, investors, and operators behind the region’s most ambitious companies, from frontier AI and fintech infrastructure to climate tech, construction, energy, and space.
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The Barefoot Innovation podcast, hosted by the Alliance for Innovative Regulation (AIR) CEO Jo Ann Barefoot, explores better solutions for financial consumers at the intersection of technology innovation and regulation.
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At the intersection of finance and technology, Fintech Unleased showcases the world of financial technology and its impact on banking. Hosted by Engage fi, the podcast invites subject-matter experts and thought leaders to hold open discussions, participate in interviews, and provide their perspectives on all matters relating to fintech. Discover how startups, incumbents, and tech pioneers are reshaping the industry, and how financial institutions can leverage these developments to drive inno ...
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FinTech Germany – Innovation, Banking & Venture Capital by Startuprad.io™

Startuprad.io™ – Europe’s Startup & VC Podcast Network

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FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future. From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digita ...
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The Innovators & Investors Podcast

FinStrat Management, Inc.

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The Innovators & Investors Podcast: Connecting the Startup Ecosystem. We are on a mission to bridge the gap between founders, investors, and industry leaders across the early-stage ecosystem. By bringing together visionaries from cutting-edge startups, venture capitalists, family offices, angel investors, accelerators, and studios, we offer a platform for sharing invaluable insights, market trends, and first-hand experiences. Whether you’re an entrepreneur navigating the challenges of buildi ...
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Financial Forward with Jim McCarthy Explore the Future of Consumer Finance, Banking Regulation, and FinTech Innovation Financial Forward is the essential podcast for professionals in finance, compliance, and innovation. Hosted by Jim McCarthy, founding member of the CFPB and expert in regulatory risk management, each episode features in-depth conversations with leaders from banks, credit unions, fintech companies, and regulatory agencies. 🎯 What You’ll Learn: Consumer finance trends and poli ...
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One Vision fintech fuse podcast, hosted by Theodora Lau, brings purposeful fintech innovation to spotlight. It is where impact meets innovation. One Vision is a convergence of minds that dream of a more equitable, inclusive, and sustainable world for future generations galvanized by innovation. The latest season, FinTech Fuse, brought to you by the powerhouse trio, Theodora Lau, Barb MacLean, and Stephanie Foster, continues the tradition of telling stories that matter. We speak to startup fo ...
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Fintech Chatter: Insights From Fintech Leaders

Dexter Cousins | Fintech Headhunter and Founder

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Fintech Chatter Podcast has been leading conversations with Fintech founders since 2019! Join the Fintech Chatter Podcast, where we dive into the world of fintech with industry leaders and innovators. Brought to you by Tier One People, Australia's leading executive search and recruitment firm for fintech ventures. Each episode features an exclusive interview with a Fintech leader, uncovering their secrets to success and the lessons learned along the way. Fintech Chatter has become the archiv ...
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Adyen Presents: Embedded Finance, your go-to resource for understanding how SaaS platforms can unlock the full potential of embedded finance. Hosted by Hemmo Bosscher, each episode dives into real-world success stories, industry insights, and practical guidance from experts in a variety of industries, analysts, thought-leaders, and fintech specialists. Designed for SaaS founders, CEOs, CFOs, product heads, and tech decision-makers, the show demystifies the complexities of embedded finance, c ...
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BIGcast

Best Innovation Group's John Best & 154 Advisors' Glen Sarvady

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The fintech industry is evolving rapidly, and the BIGcast is here to delve into its impact on the credit union industry. Our esteemed guests from across the financial, technology and security sectors will provide thrilling perspectives on the latest fintech innovations that are poised to revolutionize the way we handle our finances. Each week join thought-leader, John Best and subject matter expert, Glen Sarvady as they take a quick dive into the financial industry's current breakthroughs an ...
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Hear from industry leaders about what is fintech and web3, how to get into it and how to make a mark in the fastest growing sector in the world. Work in Fintech Founder Matt Cheung teams up with Founder Members to interview fintech and web3 founders, CEOs and CTOs about what you can do to gain an edge in fintech and web3. Essential listening for any student, young professional or curious person looking to secure a role in fintech, web3, banking or finance. #fintech #web3
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The a16z Show

Andreessen Horowitz

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The a16z Show discusses tech and culture trends, news, and the future – especially as ‘software eats the world’. It features industry experts, business leaders, and other interesting thinkers and voices from around the world. This show is produced by Andreessen Horowitz (aka “a16z”), a Silicon Valley-based venture capital firm. Multiple episodes are released every week; visit a16z.com for more details and to sign up for our newsletters and other content as well!
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Thought-provoking conversations with credit and fintech founders, builders, and investors. Shawn Budde, credit industry veteran and co-founder of Ensemblex, is joined by the most interesting people in fintech, from seasoned experts at big-name firms to innovators building the next generation of start-ups. They share their stories and their on-the-ground perspective of the challenges and trends shaping fintech: AI hype, investors' outlook on fintech, emerging markets, the promises versus real ...
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Dubai Lessons

Boris Grozev

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Dubai Lessons offers value by sharing interesting insights in various areas including fintech, business development, investment and healthy lifestyle. Dubai is a melting pot of different cultures that offers unique opportunities to meet exceptional people and learn from them. The host, Boris e is fintech executive and entrepreneur by heart. He has helped number of businesses grow.
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Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus and now an independent fintech media and events consultant, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more, tune in to Fintech One-On-One.
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Inside Outside Innovation

Brian Ardinger, Founder of Inside Outside Innovation podcast, InsideOutside.io, and the Inside Outside Innovation Summit

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Inside Outside Innovation explores the ins and outs of innovation with raw stories, real insights, and tactical advice from the best and brightest in startups & corporate innovation. Each week we bring you the latest thinking on talent, technology, and the future of innovation. Join our community of movers, shakers, makers, founders, builders, and creators to help speed up your knowledge, skills, and network. Previous guests include thought leaders such as Brad Feld, Arlan Hamilton, Jason Ca ...
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"The Deep-Dive with SubScrypt" is your essential podcast for merchants seeking a competitive advantage in the evolving landscape of crypto and fiat payments, delivering sharp insights and strategies to future-proof your revenue.
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Lessons of Innovation is a podcast hosted by Mohamad Zaraket (Mo) featuring conversations with the most interesting and intriguing innovators, academics, consultants, authors, entrepreneurs, and intrapreneurs. In each episode, my guests will share valuable tips and advice to help you succeed in your innovation journey. I will discuss topics such as innovation strategy, creative thinking, innovative teams, culture of innovation, and share proven ideation and innovation techniques including de ...
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Talking Success | The Home of Fintech

titc.io (formally TalentintheCloud)

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Talking Success: Igniting the Global FinTech Revolution is a riveting podcast powered by titc.io (formally TalentintheCloud) with a laser focus on FinTech. Your host, Darren Franks, takes you on an exhilarating journey, engaging with titans of the industry – the visionaries who are CEOs, Founders, Investors, and Leaders shaping the FinTech landscape - with a special nod to FinTechs in Africa. Immerse yourself in the pulsating heart of the FinTech sector as we unravel its secrets, complexitie ...
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Hear directly from C-level executives in payments/fintech about industry trends, successful strategies, products, services, and what the future holds for the payments/fintech industry. We cover the entire industry from merchant acquiring, payment processing, ISOs, payfacs, fraud, security, issuing, b2b, fintech, to start-ups, if it goes on in payments we will be talking about it.
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Think Ahead

London Business School

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How can you navigate the now and be prepared for what’s next? Listen in each month as we convene a panel of London Business School thought leaders and distinguished guests to debate and discuss a hot topic in the business world and beyond. Fresh perspectives on what matters most, brought to you by Think at London Business School.
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In Her Ellement

Boston Consulting Group BCG

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In Her Ellement is taking a pause. While we’re on break, check out other BCG podcasts like Imagine This, a podcast that helps CEOs consider possible futures for our world—and their businesses. AI and digital expert Suchi Srinivasan and fintech practice leader Kamila Rakhimova from Boston Consulting Group (BCG) talk to the women at the vanguard of business, digital, and technology. They’re digging into how these powerhouse leaders got where they are—everything from the joy of projects gone ri ...
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The Capital Markets FinTech Forum by ipushpull provides regular industry news, interviews and discussion on hot topics impacting our sector. Being a fintech gives us a unique perspective on the market as well as access to the views of leading banks, brokers, traders, asset managers and data services businesses. Whether you're interested in APIs, data distribution, chatbots or workflow automation, we aim to bring you interesting perspectives and insight from across the financial services sect ...
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DataTalk

Experian

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Experian's DataTalk is a fun show featuring data science leaders and technologists from around the world. We talk about artificial intelligence, machine learning, deep learning, computer vision, data visualizations, data ethics, data philanthropy, and much more. Hosted by Mike Delgado
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Join us as we speak with the movers and shakers of the fintech industry who are at the forefront of market developments and innovation. Learn about their non-linear career paths, uncover new insights, and find out what it takes to break new ground in this rapidly evolving industry. Brought to you by 2C2P, the trusted payments platform for global businesses. To read more about these conversations, go to 2c2p.com/blog.
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In Season 5 of Fintech Files, our three hosts are traveling across the global fintech landscape, uncovering the most exciting stories from the world’s leading innovation hubs. From embedded payments to crypto, from financial inclusion to the future of millennial finance, they’re diving into the breakthroughs, bold ideas, and unexpected questions defining what comes next. We’ll be talking to founders and experts behind some of the brightest minds in the industry, exploring how financial techn ...
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This is a show on fintech in the CEE region and beyond. Welcome to Fintech Flow, where we deep dive into the depth and complexity of successful start-ups, explore the ways to new capital and draw in the points of views from the incumbents. From Budapest Hungary, Linda Sallai will explore the odd angles, sit down with bright Fintech minds and bridge together the gap in mind-set between the legacy players and today’s innovators. We will learn from each other, learn with each other, link up and ...
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FinTech Scotland

FinTech Scotland

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Hear about the great fintech innovations in Scotland, news on the sector from our partners in Scotland, the UK and all around the world. Voted Top 35 Fintech Podcasts in 2021 by Feedspot https://blog.feedspot.com/fintech_podcasts/
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Leadership Reimagined

Ellig Group & TrueChat

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Join Janice Ellig, CEO and founder of Ellig Group, as she sits down with real leaders in this series of game-changing conversations, bespoke to fellow champions of change. Heralded by Bloomberg Businessweek as one of “The World’s Most Influential Headhunters,” Janice is often consulted for her expertise and her commitment to gender parity, inclusion, and diversity.
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Are you prepared to embrace change, take risks and disrupt yourself in response to the digital disruption in banking? If not, this podcast is for you. Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the leadership and cultural challenges facing the banking industry. Featuring interviews with some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.
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How can community banks stay ahead of the curve in today’s evolving technology landscape? Our podcast explores how community financial institutions are competing, reaching new customers, making a difference in their communities and more. Join CSI as we discuss the latest industry trends, how bankers are overcoming challenges and more.
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Connect With Purpose brings together industry expertise and authentic human stories, where the art of talent meets the fast-paced worlds of business, performance and finance. Each episode explores themes such as: Insights from leaders shaping the future of global markets. Journeys from entry-level to C-suite, inspiring professionals at every stage. Projects and initiatives driven by exceptional people. Practical advice to stand out and build purpose-driven careers. A deep dive into effective ...
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Tech Talks Daily

Neil C. Hughes

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If every company is now a tech company and digital transformation is a journey rather than a destination, how do you keep up with the relentless pace of technological change? Every day, Tech Talks Daily brings you insights from the brightest minds in tech, business, and innovation, breaking down complex ideas into clear, actionable takeaways. Hosted by Neil C. Hughes, Tech Talks Daily explores how emerging technologies such as AI, cybersecurity, cloud computing, fintech, quantum computing, W ...
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The Banking on Data podcast is for community bank and credit union leaders who understand that the future of financial services is powered by data. Hosted by Ed Vincent, CEO of Lumio Solutions, this podcast offers executive-level insights into how financial institutions can leverage business intelligence, data strategy, and advanced analytics to drive performance, manage risk, and unlock growth opportunities. Each episode features conversations with industry leaders, data experts, and financ ...
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Epicenter brings you in-depth conversations about the technical, economic and social implications of cryptocurrencies and blockchain technologies. Every week, we interview business leaders, engineers academics and entrepreneurs, and bring you a diverse spectrum of opinions and points of view. Epicenter is hosted by Sebastien Couture, Brian Fabian Crain, Friederike Ernst, Meher Roy and Felix Lutsch. Since 2014, our episodes have been downloaded over 8 million times.
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Behind the Brand®

Neo Financial

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Welcome to Behind the Brand® presented by Neo, hosted by Jeff Adamson, co-founder of Neo Financial and SkipTheDishes. On this podcast, we learn from leaders who are reimagining, innovating, and transforming the financial and retail industries across Canada.
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The Innovation Show

The Innovation Show

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A Global weekly show interviewing authors to inspire, educate and inform the business world and the curious. Presented by the author of "Undisruptable", this Global show speaks of something greater beyond innovation, disruption and technology. It speaks to the human need to learn: how to adapt to and love a changing world. It embraces the spirit of constant change, of staying receptive, of always learning.
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Happy Holidays Fintech Files listeners! As we look ahead to the new year, we’re revisiting one of our favorite episodes from Season 4 with Eyal Sivan, Mr. Open Banking. Eyal joins Fintech Files to discuss how open banking rose from the 2008 financial crisis to become a worldwide movement centered on competition, innovation, and transparency. With o…
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A decision-grade map of DACH execution signals for 2026: where regulation creates demand, where AI credibility is earned, and which business models are being repriced. This episode breaks down what actually changed in the DACH startup ecosystem heading into 2026. - Europe's AI advantage in regulated and industrial applications - Why integration and…
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Is the UAE the next global gateway for finance? Join us as we sit down with Kevin Kilty, Founder and CEO of Hubpay, the pioneering cross-border payment platform. Kevin reveals Hubpay's dual-phase strategy, from solving payment gaps for retail and business customers to leveraging the UAE's strategic position for global trade. We dive into the massiv…
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In today’s financial landscape where AI is rapidly evolving, digital transformation never stops. Technology can no longer live in a silo and neither can the leaders who guide it. In our latest podcast, Virginia Heyburn is joined by Engage fi’s Executive Affiliate, John Cassidy, former CEO of Sierra Central Credit Union, to explore how technology an…
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In This Episode What if someone told you you’ve been underpaid by more than two million dollars across your career? In this episode, Jason Henrichs speaks with fintech entrepreneur Tom Sosnoff. You may know Tom from founding thinkorswim and tastytrade, two billion-dollar exits that transformed retail investing. His newest venture, Lossdog, launchin…
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In this episode of One Vision the Fintech Fuse, we chat with Kristen Castell, Managing Director, Fintech CAFE (Center for Accelerating Financial Equity) and Ryan Venderlic, Program Manager at CAFE. The trio discuss the accelerator program's evolution, its focus on financial equity for low to moderate-income communities, and the transformative power…
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This episode is a special replay of David George’s conversation with Harry Stebbings on 20VC. David is a General Partner on a16z’s growth team, and in this discussion he breaks down how he thinks about breakout growth investing: why great business models are now table stakes, where real edge comes from non-consensus views on TAM, and how to underwr…
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What happens when the push for smarter crypto wallets runs headfirst into the reality that everything on a public blockchain can be seen by anyone? In this episode of Tech Talks Daily, I wanted to take listeners who may not live and breathe Web3 every day and introduce them to a problem that is becoming harder to ignore. As Ethereum evolves and sma…
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Based on a ten-year study, Teresa Amabile reveals why retirement—and any major life transition—requires far more psychological work than we expect. In this special episode of The Innovation Show, recorded at Klarman Hall at Harvard Business School, Aidan McCullen sits down with renowned psychologist and researcher Teresa Amabile to explore one of t…
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This episode is a special replay from The Generalist Podcast, featuring a conversation with a16z General Partner Martin Casado. Martin has lived through multiple tech waves as a founder, researcher, and investor, and in this discussion he shares how he thinks about the AI boom, why he believes we’re still early in the cycle, and how a market-first …
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On this week's episode of Inside Outside Innovation, we talk about how change is changing, the IKEA effect on MVPs, and how AI is making companies more ambidextrous. Let's get started. Inside Outside Innovation is the podcast to help innovation leaders navigate what's next. Each week we'll give you a front row seat into what it takes to grow and th…
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Every bank today is trying to appear modern. But you can’t operate a digital institution with a core system that hasn’t been updated since the iPhone was introduced. After years of adding new features on top of outdated infrastructure, the limitations become clear: legacy cores slow innovation, hinder personalization, and make it nearly impossible …
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Nour Al Hassan is the Founder and CEO of Tarjama& and Arabic AI, a UAE-based AI company building Arabic-first language models, enterprise agents, and document intelligence systems for governments and large organisations. Before Arabic AI, Nour spent more than 16 years building Tarjama& from a bootstrapped translation business into a profitable, tec…
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What happens when the systems designed to make life easier quietly begin shaping how we think, decide, and choose? In this episode of the Tech Talks Daily Podcast, I sit down with Jacob Ward, a journalist who has spent more than two decades examining the unseen effects of technology on human behavior. From reporting roles at NBC News, Al Jazeera, C…
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In this episode, Lex speaks with Gracy Chen - Bitget’s CEO, who transitioned from a fintech entrepreneur to leading one of the top five global crypto exchanges. Bitget processes $10–20 billion in daily trading volume and serves 120 million users across centralized and decentralized platforms. Its geographic base is mostly in Asia, but it’s expandin…
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Nearly half of U.S. households are living paycheck to paycheck, yet millions of financially capable people are denied access to affordable credit. That is not a consumer failure. It is a system failure. I recently spoke at the Hope Global Forums in Atlanta, where the focus is on economic opportunity. I challenged the banking industry to address a b…
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As 2025 comes to a close, consumer AI is entering a new phase. A small number of products now dominate everyday use, multimodal models have unlocked entirely new creative workflows, and the big labs have pushed aggressively into consumer experiences. At the same time, it is becoming clearer which ideas actually changed user behavior and which ones …
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On this episode, our expert guests from this year’s past episodes each share one critical question that customer experience (CX) leaders need to ask themselves to deliver better customer outcomes in 2026. We've compiled the most important questions from our conversations this year — each one designed to reveal where your CX strategy is vulnerable a…
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How is HR changing when AI, economic pressure, and rising employee expectations all collide at once? In this episode of Tech Talks Daily, I'm joined by Simon Noble, CEO of Cezanne HR, to unpack how the role of HR is evolving from a traditional support function into something far more closely tied to business performance. Simon shares why HR is incr…
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What does it really mean when AI moves from answering questions to making decisions that affect real people, real money, and real outcomes? In this episode of Tech Talks Daily, I'm joined by Joe Kim, CEO of Druid AI, for a grounded conversation about why agentic AI is becoming the focus for enterprises that have moved beyond experimentation. After …
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The world is building data centers, identity rails, and AI policy stacks at a speed that makes 2026 feel closer than it is. In this conversation, Rajesh Natarajan, Global Chief Technology Officer at Gorilla Technology Group, explains what it takes to engineer platforms that remain reliable, secure, and sovereign-ready for decades, especially when i…
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Today I'm talking with Darragh Buckley, the CEO and co-founder of Increase. If you've been following fintech for a while, you probably know Darragh as employee number one at Stripe, where he built the team responsible for moving money at a massive scale. At Stripe, he learned a crucial lesson about infrastructure: when you're stuck solving business…
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In this episode, host Sebastian Couture is joined by Ismael Hishon-Rezaizadeh, CEO of Lagrange, to explore the intersection of frontier cryptography and national security. Ismael discusses the transition of zero-knowledge (ZK) technology from a "token-centric" crypto tool to a vital component of defense, specifically focusing on its role in securin…
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New infrastructure primitives are creating entirely new rails for building. In this episode of Big Ideas 2026, we explore three foundational shifts that unlock new markets and workflows, not through incremental upgrades, but through primitives that compound over time. First, programmable money evolves beyond stablecoins into on-chain credit origina…
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What makes live events feel personal in an age of algorithms making the calls? That's the tension marketers are living in right now. Ben Kruger, Chief Marketing Officer at Event Tickets Center, sits at the center of this shift. He has spent 20 years shaping server-side systems and performance marketing strategies, including a decade of persistence …
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AI is moving into the physical economy. In this episode of Big Ideas 2026, we explore what changes when AI leaves the screen and becomes part of factories, construction sites, supply chains, and critical infrastructure. When the product is physical, reliability matters, real-world constraints appear quickly, and the advantage shifts from standalone…
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In this episode of the Innovators and Investors Podcast, host Kristian Marquez interviews David Cross, a venture partner at Rain Capital. David discusses his journey into venture capital, the importance of cybersecurity, the influence of AI on the industry, and key factors in evaluating startups. David emphasizes the need for passion in founders, t…
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What does it really take to build software that can grow from a single line of code to millions of users a day without losing its soul along the way? In this episode of Tech Talks Daily, I'm joined by Alex Gusev, CTO at Uploadcare, for a wide-ranging conversation about scale, simplicity, and why leadership in technology starts with people long befo…
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Voice is becoming one of the fastest paths for AI to do real work, especially in regulated environments where accuracy and compliance matter. In this episode, we look at voice agents replacing and augmenting phone-based workflows, what trust and measurement look like when AI runs sensitive interactions, and how healthcare and consumer products shif…
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If you have ever opened Candy Crush over the holidays without thinking about the design decisions behind every swipe, this episode offers a rare look behind the curtain. I sit down with Abigail Rindo, Head of Creative at King, to unpack how accessibility has evolved from a well-meaning afterthought into a core creative and commercial practice insid…
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The BIGCast Gang convenes for its annual roundup of the biggest stories impacting credit unions and fintechs (zero points awarded for guessing #1 on the list). Some Q1 headlines seem like ancient history, while others are gifts that just keep on giving. Bitcoin delivered its usual wild ride- but in 2025 it had plenty of company. Links related to th…
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AI is becoming the orchestration layer inside the enterprise. In this episode of Big Ideas 2026, we explore the shift from isolated AI copilots to coordinated multi-agent systems that plan, analyze, and execute work across teams and tools. This is not a new feature, but a new way workflows run inside large organizations. You will hear from Seema Am…
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The biggest threat to consumer financial health isn’t inflation, stagnant wages, or market volatility, but the financial system itself. Not because it’s failing, but because it’s been silently optimized to benefit the most educated, the wealthiest, and the most sophisticated players. In the new book Fixed, a harsh truth is revealed: from daily savi…
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What does it actually mean to prove who we are online in 2025, and why does it still feel so fragile? In this episode of Tech Talks Daily, I sit down with Alex Laurie from Ping Identity to talk about why digital identity has reached a real moment of tension in the UK. As more of our lives move online, from banking and healthcare to social platforms…
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Join us for a special edition of The Innovation Show, recorded at Harvard Business School, featuring Scott D. Anthony, Clinical Professor at the Tuck School of Business and co-author of Seeing What's Next with the late Clay Christensen. Scott joins us to discuss his latest book, "Epic Disruptions: 11 Innovations That Shaped Our Modern World." In th…
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AI is moving from chat to action. In this episode of Big Ideas 2026, we unpack three shifts shaping what comes next for AI products. The change is not just smarter models, but software itself taking on a new form. You will hear from Marc Andrusko on the move from prompting to execution, Stephanie Zhang on building machine-legible systems, and Sarah…
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What does it really mean to keep humans at the center of AI when agentic systems are accelerating faster than most organizations can govern them? At AWS re:Invent, I sat down with Michael Bachman from Boomi for a wide-ranging conversation that cut through the hype and focused on the harder questions many leaders are quietly asking. Michael leads te…
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